Who is 8778365629 and why are they calling me?

8778365629 is likely associated with Citibank's billing department, often related to Best Buy credit card accounts. However, it could also be a scam. You should not engage with the caller directly, even if it seems legitimate. Instead, take these steps:

- Do Not Pay Immediately: If you have doubts about the debt, do not feel pressured to pay right away.
- Check Your Credit Report: Pull your credit report and look for any negative items that might be related to this account.
- Verify the Debt: If you find an entry from Citibank, it may be legitimate. Still, it’s wise to call Citibank directly using their official number to confirm.
- Seek Help: The Credit Pros can assist you by verifying the debt, disputing inaccurate negative items, and improving your financial situation.

Remember, whether it's a scam or not, avoid providing personal information over the phone.

To sum up, you should avoid engaging directly with 8778365629, check your credit report, verify the debt with Citibank, and seek help from The Credit Pros if needed.

To stop 8778365629 from harassing you, here's what we advise you to do:

Document Interactions: Keep a log of all calls with dates, times, and any abusive language used.

Do Not Call Registry: Register your number at DoNotCall.gov. It takes just 2 minutes. You can also block this number through your phone's settings or contact your service provider for assistance.

Use Call Blocking Apps:
- Android: Try the 'Call Blocker - Stop Spam Calls' app.
- Apple: Use 'Robokiller: Spam Call Blocker'.

File Complaints:
- Federal Communications Commission (FCC): Report illegal robocalls or unwanted calls at fcc.gov/complaints.
- Federal Trade Commission (FTC): Report telemarketing calls or violations of the Do Not Call Registry at ReportFraud.ftc.gov or DoNotCall.gov.
- Consumer Financial Protection Bureau (CFPB): Submit a complaint online at consumerfinance.gov/complaint or call (855) 411-2372.

Cease and Desist: Send a cease and desist letter using a template from eforms.com/cease-and-desist.

Local Authorities: Contact your local or state consumer protection office for additional support.

To wrap things up, keeping a call log, registering with the Do Not Call Registry, using call blocking apps, filing complaints with the FCC, FTC, and CFPB, sending a cease and desist letter, and contacting local authorities are effective steps to stop 8778365629 from harassing you.

You should block 877-836-5629. Ignoring it is an option, but blocking is more effective to prevent further calls. Here's why:

1. No Credit Impact: Blocking or ignoring the number won't negatively affect your credit score any more than the collection already has if it’s on your report.
2. Stop Harassment: This number is linked to Citibank and may be a debt collector. Blocking can help you avoid stress and interruptions from harassing calls.
3. Credit Repair: If you have inaccurate or unfair negative items on your credit report, work with a reputable credit repair company to resolve disputes and ensure your report is accurate.
4. Scam Risk: This number might be used by scammers. If you’re unsure about the call's legitimacy, contact Citibank directly using the official number on your account statement or their website.

In the end, blocking 877-836-5629 helps you reduce stress and avoid potential scams. If calls persist or you need help, reach out to a trusted credit repair service to safeguard your credit health.

Yes, a debt collector like 8778365629 can sue you, but it's very unlikely. Debt collectors usually sue as a last resort when the debt is significant, often over $5,000. They need to prove you owe the debt, verify the amount is correct, and establish they have the legal right to sue, which is tough if the debt has changed hands multiple times.

Here are some points to consider:
- Cost and Effort: Suing is expensive and time-consuming; many collectors prefer to settle out of court.
- Statute of Limitations: Each state has a specific time frame within which a collector can sue you. If your debt is old, it might be beyond this period.
- Initial Methods: Collectors prefer to start with calls and letters to get you to pay.

If a lawsuit does happen, you will receive a court summons and complaint. You must respond to avoid a default judgment, which could lead to wage garnishment or bank account levies.

Remember, the Fair Debt Collection Practices Act (FDCPA) protects you from abusive practices. Consider consulting with an attorney if you receive a lawsuit to understand your options and defenses.

As a final point, you should be aware that while a debt collector like 8778365629 can sue you, it is unlikely. You must understand the process, respond promptly if sued, and consider consulting with an attorney for guidance.

If you receive a call from 8778365629, don't provide any personal information. This number is linked to debt collection scams where callers pretend to represent companies like Citibank. It’s best you don’t answer the call to avoid harassment or attempts to steal your details. Instead, block the number right away.

To protect yourself, you should get a three-bureau credit report from TransUnion, Equifax, and Experian. This helps you spot any suspicious activities and manage your credit better.

We advise you to also work with a reputable credit repair company. They can help you identify and dispute any inaccuracies on your credit report, offering professional guidance to improve your credit score. Trusted companies use legal methods to help you correct errors on your report and handle any disputes efficiently.

- Block calls from suspicious numbers to reduce stress and protect your information.
- Obtain a comprehensive three-bureau credit report.
- Partner with a reputable credit repair company for expert help.

Bringing it all together - block suspicious calls, get a detailed credit report, and work with a credit repair company to protect and manage your personal information and credit.

8778365629, a number linked with debt collection, typically collects various types of debts. You might encounter them collecting credit card debts, auto loans, and cell phone bills. While specific creditors aren't always mentioned, it's common for them to buy debts from different financial institutions, including banks and other lenders.

When dealing with 8778365629, you should always ensure they provide you with detailed information about your debt. This includes the name of the creditor, the amount owed, and your rights to dispute the debt. Always ask for this information to confirm that you're dealing with a legitimate debt collector.

- They collect various types of debts, such as credit card debts, auto loans, and cell phone bills.
- Debts are usually bought from financial institutions, including banks and lenders.
- You must request details about your debt to verify the legitimacy of the collector.

All things considered, ensure you verify the debt details and know your rights to dispute, making sure you're dealing with a legitimate collector.

To check if you owe money to 8778365629, start by thoroughly checking your records. Look for any final bills, account statements, or equipment return receipts.

First, review your credit report. Check your latest credit report for any recent entries related to Citibank or unfamiliar debts. If you see something concerning, send a written request to the collections agency to validate the debt. This means they need to provide proof that the debt is yours and accurate.

Avoid calling the number directly to prevent restarting the statute of limitations on old debts. Instead, gather all relevant documents and evidence before engaging further.

- Review Your Credit Report: Check for any recent debt entries.
- Debt Validation Request: Send a written request if necessary.
- Avoid Direct Contact: Do not call the number directly.
- Gather Documentation: Collect final bills, account statements, and equipment return receipts.
- Consult a Lawyer: If harassed over a disputed debt, consider consulting a consumer protection lawyer.
- Dispute Inaccuracies: Address inaccuracies on your credit report, but be prepared for a lengthy process.
- Verify the Caller: If you speak with someone, request their credentials and verify their legitimacy.

Lastly, you should avoid rushing into direct contact, review your records and credit report, and consider professional advice to manage any potential debt issues effectively.

If you're dealing with debt collection calls from numbers like 8778365629, several laws and regulations protect you.

Fair Debt Collection Practices Act (FDCPA)

- The FDCPA is the primary federal law that guards against unfair debt collection practices.
- Prohibited Practices: Debt collectors can't contact you before 8 AM or after 9 PM, use abusive language, make threats, or harass you with continuous calls.
- False Representation: Debt collectors can't pretend to be someone they're not, like attorneys or government officials, and can't disclose your debt details to third parties like friends or coworkers.

Required Disclosures

- Validation Notice: Within five days of first contact, collectors must send you a written notice detailing the amount owed, creditor's name, and your rights to dispute the debt.
- Debt Dispute: If you dispute the debt in writing within 30 days, the collector must provide verification before continuing collection efforts.

Consumer Rights

- You can request in writing that a debt collector stop contacting you, and they must comply.
- If you have an attorney, collectors must communicate directly with them.
- You can sue for violations of the FDCPA, with potential recovery of actual damages, statutory damages up to $1,000, plus attorney fees and costs.

State Laws

- Many states have additional protections. For instance, New York imposes strict licensing requirements for debt collectors.

For any specific concerns regarding debt collection practices or to file a complaint, contact the Consumer Financial Protection Bureau (CFPB) or your state's attorney general. Knowing your rights helps you manage and address these situations confidently. If you suspect a scam, do not provide personal details and report it immediately.

Finally, several laws like the FDCPA protect you from unfair debt collection practices from numbers like 8778365629. Enjoy the peace that comes from knowing your rights!

Yes, Citibank has several lawsuits against them. Here’s a detailed look at the major ones:

1. New York Attorney General Lawsuit (2023):
- Details: NY AG Letitia James sued Citibank for weak security measures and failing to reimburse fraud victims.
2. Smith v. Citibank NA (2016):
- Details: A class action for violating the Telephone Consumer Protection Act by making unsolicited robocalls.
3. Military Veterans Lawsuit (2022):
- Details: Four veterans sued over unlawful interest rate hikes upon their return from service.
4. Khuu v. Citibank NA (2024):
- Details: A class action over unfair check return fees, claiming breach of contract and other violations.
5. Equal Credit Opportunity Act Violation:
- Details: Citibank paid $25.9 million for discriminating against Armenian Americans in credit card applications and cover-ups.

Complaints:
- Fraud and inadequate fraud response.
- Unjust account closures.
- Discriminatory practices.

You should respond to any lawsuits promptly or explore arbitration if suing is restricted. For further advice, consult with legal experts or consider joining related class actions.

In closing, Citibank faces several lawsuits, highlighting issues with security, robocalls, interest rates for veterans, check fees, and discrimination. You should seek legal advice or consider joining class actions if you are affected.

If you're wondering about the phone number 877-836-5629, here's what people online are saying about it:

1. User: Meat (January 15, 2023)
- "We need a new category. Technically this isn't a debt collector. It's from the credit card business office."
2. User: Anonymous (October 10, 2022)
- "This is a legitimate number from CITIBANK'S billing dept. What's confusing, I think for some, is that the account is Best Buy but the bank card guarantor is CITIBANK."
3. User: Puta'ng Ina Ka (September 29, 2022)
- "Fake phantom debt collection scam by Puta'ng Ina Ka criminals phoning from the Philippines. This is what the Federal Trade Commission calls a phantom debt collection scam."
4. User: Anonymous (October 4, 2022)
- "Called early in the morning and asked for someone I didn't know or never heard of. Blocked the number but they continue to call at least 3 times a day for the last 2 wks."
5. User: Redditor (no date)
- "Phone only rings once since they were blocked but it has not stopped them from continuing to call."
6. User: Redditor (no date)
- "Citibank holds the account for my Best Buy credit card."

Based on these reports, experiences with 877-836-5629 vary. Some users state it is a legitimate Citibank number related to Best Buy credit card accounts, while others believe it's a scam, particularly a phantom debt collection.

Overall, you should be cautious. Verify any suspicious calls directly with Citibank to ensure you're not falling for a scam.

You really need to remove 8778365629 from your credit report if you've confirmed it’s there and it might be inaccurate. Acting on these inaccuracies is crucial. Leaving them unaddressed can affect your financial health negatively.

Doing it yourself can be time-consuming, and most credit repair companies are poorly rated, often falling short in removing these errors effectively. Instead, consider reaching out to a reputable company like The Credit Pros. They specialize in credit repair and can handle these issues more efficiently.

- Save time and effort by leveraging their expertise.
- Increase your chances of successful removal with professional help.
- Avoid the frustration of handling disputes on your own.

As a final point, remember that removing 8778365629 from your credit report can improve your credit health significantly. Reach out to The Credit Pros for efficient and expert assistance.

Every number you see below is separate number that ‘Collection’ uses to attempt to collect a potentially inaccurate debt on your credit report and/or spam you.

• 8665359492
• 8555013051
• 8666136855
• 8778365629